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OFFICIAL FAMILY:
Click HERE for NAIFA-Broward's Officers and Board of Directors
President's Message
Ian L. Perkins, CLTC
NAIFA-Broward President 2014-2016
Dear Fellow NAIFA-Broward members, I hope that everyone is doing well and that business is thriving and life is good. We are all paying close attention to the DOL Fiduciary bill as well as the upcoming Presidential election. I must say that I have never been this embarrassed to be an American. Regardless of your political affiliations, this whole election is a circus. I'm sure the rest of the world looks at us like we are a bunch of idiots. Whether Democrat or Republican, the politicians are making a mockery of our systems and processes. I find it almost painful to watch these debates. I truly am concerned for the future of our country and what our children will be inheriting. Now that I am done venting, I would like to let you know that our March program looks to be strong and should offer great value. We have 2 hours of CE being offered that is mentioned in this Courier. Joe Chalom and I will both be teaching the courses. I love doing this and it's usually a great time as well as educational. We look for a large turnout that will evolve into a nice lunch meeting. I will be moderating the lunch program and would like to have as many as possible participate. It will be very interactive and should provide many great marketing and sales ideas for you to take back to your practices. It is also the time of year to drink green beer along with your corned beef and cabbage. St. Patty's Day is always a good time in SOFLO! Please sign up early for this month's activities so we can prepare accordingly. We are also in need of a few more volunteers for next year's Board and Committees. If you feel that you would like to get involved, please speak with either Joe Chalom or myself as soon as possible.  Have a great month and we all look forward to seeing you on the 16th!!Best wishes and good selling, Your Volunteer President,
Director of Agency Development / Asurea
Let's also connect on LinkedIn.
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NAIFA-Broward Photo Highlights
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NAIFA National President Jules Gaudreau Jr., CIC, ChFC, LIA (left) with NAIFA-Broward President Ian Perkins, CLTC. Jules Gaudreau spoke to Membership Luncheon attendees about the importance of NAIFA Membership on February 17th.
More photos can be found on our website HERE.
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REGISTER TODAY!
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NAIFA-Broward's Next CE Class Opportunity and Membership Luncheon Meeting:
Wednesday, March 16, 2016
Fort Lauderdale Country Club
415 East Country Club Circle, Plantation, FL 33317
9:30 - 10:30 AM, 1-Hour Morning CE Class
"Avoiding E&O Claims - Or How I Learned to Sleep Well"
Moderated by Ian Perkins, CLTC, NAIFA-Broward President
Intermediate, Course ID #84608, Authority CE 9901
10:30 - 11:30 AM, 1-Hour Morning CE Class"Annuities for Accumulation and Distribution"
Moderated by Joseph Chalom, CLU, RICP, LUTCF, NAIFA-Broward President Elect
Intermediate, Course ID #90581, Authority CE-2-14. Offering ID 1043351
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THANK YOU TO OUR PLATINUM SPONSORS!
MassMutual Financial Group, Arven Financial
Michael Hochman
(305) 562-0640
Cristina Possas
(813) 625-5395
MassMutual South Florida
Michele Friedlander,
RHU, REBC
(954) 689-9462
 The Rosenthal Agency, Inc.
THANK YOU TO OUR GOLD SPONSOR!
L&S Insurance & Financial Services, Inc.
For more information on sponsorship opportunities with NAIFA-Broward, please click HERE.
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NAIFA-Broward Prepaid Luncheon Program
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Take Advantage of NAIFA-Broward's Prepaid Luncheon Meeting Program! Members can prepay ten lunch programs for $225.00 and save $25.00. Members need to register for each program they are attending. Unused fees for luncheon programs may be rolled over to the following membership year, Sept through June. The Prepaid Luncheon Program is available for members only, is non-transferable and non-refundable. For a one-time Prepaid Luncheon Program payment, please click HERE.
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There is NO CHARGE for NAIFA-Broward Members and $15.00 per CE Class for Non-Members.
CLICK HERE TO REGISTER FOR OUR MARCH 16th MORNING CE CLASSES.
11:30 AM - 1:00 PM
Networking Opportunity followed by our Membership Luncheon Meeting and Program:
"Modern Trends in Retirement Planning, An Interactive Discussion and Case Study on the Evolution of Retirement Planning in the USA"
Presented by Ian Perkins, CLTC, NAIFA-Broward President
Join us on March 16th when Ian Perkins will address and discuss the reason why Errors and Omissions insurance is so important in today's economic environment.
We will also be collecting donations for Stepp'n Up! The Membership Luncheon Meeting cost is $25.00 for NAIFA-Broward Members and $35.00 for Non-Members.
CLICK HERE TO REGISTER FOR THE MARCH 16th MEMBERSHIP LUNCH MEETING.
For more information, contact NAIFA-Broward Association Executive Rhonda Milrot at (954) 753-2262 or email [email protected].
ABOUT OUR MARCH 16TH GUEST SPEAKERS:
 Ian Perkins, CLTC has been in the insurance industry since 1992. During his 24 year career, he's been recognized numerous times for his professional achievements. Born in New York, Ian's family relocated to South Florida in 1972. After graduating from the Florida State University, Ian obtained his insurance license. Ian is currently serving his second term as NAIFA BROWARD President and is also a graduate of their elite Leadership program LILI. He specializes in tax-free retirement planning, safe money strategies, Mortgage Protection, Final Expense, Long Term Care Planning and helping the 66% of our population that are statistically going to die broke, avoid this disaster. Ian is a Regional Director for the state of Florida, representing Asurea, a nationwide insurance marketing organization, located in Roseville, CA. He has a local office in FTL and others throughout the state.
 Joseph C. Chalom, CLU�, RICP�, LUTCF, a South Florida resident since 1979, is an independent, financial services professional. Mr. Chalom founded Retirement Council, Inc. in 1991 to foster his passion of educating people on how to attain financial security. He accomplishes this goal through confidential evaluation and implementation of customized financial solutions.
Mr. Chalom is the author of numerous articles on the 403(b) Tax Sheltered Annuity program and the need to plan for retirement. He has also had articles published in the Coral Springs/Parkland Forum. Mr. Chalom has been included in the Strathmore's Who's Who Registry of Business Leaders, and Who's Who on CD-Rom and Prestige International-Who's Who Registries of Outstanding Professionals. Chalom has spoken before the South Florida Society Institute of Certified Financial Planners, and appeared on radio and television. He is an approved moderator for the State of Florida Department of Insurance.
Mr. Chalom received his Life Underwriter Training Council Fellow, (LUTCF) designation in 1991 his Chartered Life Underwriter, (CLU�) designation in 2007, hisRetirement Income Certified Professional, (RICP�) designation in 2014.
Mr. Chalom is licensed by the Department of Insurance to transact the sale and service of insurance in the areas of life, health, and fixed annuities. In addition Mr. Chalom is registered to transact the sale and service of mutual funds, variable annuities, limited partnerships and provide fee based advisory services, through PlanMember Securities, broker dealer, a member of the Financial Industry Regulatory Authority, (FINRA) and an SEC Registered Investment Adviser.
A financial service veteran, Chalom, is a graduate of the Leadership in Life Institute, (LILI), created by the National Association of Insurance and Financial Advisors, (NAIFA). Each LILI, sponsored by NAIFA, accepts a limited number of carefully selected applicants from its membership. The six month program fosters a multifaceted approach to self-improvement. The objective of the program is to help individuals become more productive and healthier in their personal and business relationships.
As an advocate of preserving the benefits offered by the financial services profession, which serves as a bedrock of the Nation's economic foundation, Chalom, believes very strongly in the mission of the National Association of Insurance and Financial Advisors, (NAIFA). NAIFA, founded in 1890, promotes advocacy, professional development, ethical standards, community service and personal growth for members of the insurance and financial services community. The infrastructure of the over 40,000 member NAIFA federation consists of more than 500 local and state associations across the United States.
Mr. Chalom currently serves as a Director-At-Large and has served as the Secretary/Treasurer of his state professional association, National Association of Insurance and Financial Advisors-Florida, (NAIFA-Florida), for three consecutve membership years ending June, 2014. He previously served as President for the 2000-2001, 2003-2004 and 2010-2011 membership years, and National Committeeman for the membership years from 2004-2005 to 2009-2010 of National Association of Insurance and Financial Advisors-Broward, (NAIFA-Broward). He has achieved national recognition for his work in public relations and was the recipient of his local association's 1996-1997 and 2004-2005 Member of the Year Award. Mr. Chalom served as a Director-at-Large on the NAIFA-Florida Board of Directors from 2007-2011. On the national level, Mr. Chalom served on the Communications Committee for NAIFA, from 2006-2011. Chalom serves on the leadership team of the Coral Springs Community Emergency Response Team, (CERT). Mr. Chalom was the recipient of the Diamond Award for 2006 and 2007, for his work with the Coral Springs Chamber of Commerce Education Committee. Mr. Chalom is a graduate of the University of Miami and a member of the Alumni Association.
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Membership Report
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 Submitted by Joseph Chalom, CLU, RICP, LUTCF
NAIFA-Broward President Elect & Membership Chairperson NAIFA-Florida Board of Directors,
Member Demographic Shifts
I am very excited to share that the demographic makeup of our membership has shifted dramatically. Based on our current membership count, 36% of our members are considered Young Advisors or YATs.
The experimental national membership program referred to as the Pilot program sparked great interest among new advisors and contributed to our growth of younger advisors.
NAIFA-Florida has approved the graduated membership dues structure for those Pilot members completing their first year of membership. Pilot members, may renew their NAIFA membership for only $20 per month, set up on an automatic payment plan. Pilot members will receive communication from NAIFA about the renewal program.
NAIFA-Florida created a special recognition program to honor those members who sponsor 5 or more new members during the fiscal year ending June 30th. The program is called the Pinnacle Club.
I want to express my deepest appreciation for those NAIFA-Broward members who have sponsored at least one new member.
Joe Chalom - 13 *
Michele Thomas - 7 *
Gary Haft - 5 *
Ian Perkins - 4
Dale Gorchoff - 2
Michelle Friedlander - 2
Denise Longshaw - 1
Veronica Noel - 1
* Pinnacle Club Qualifier
Five months remain in the membership year, and there is time for your name to be added to the member sponsorship list.
Joseph C. Chalom, CLU, RICP, LUTCF
Retirement Council Inc.
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Community Service Udpate
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Submitted by Michele Friedlander, RHU, REBC
NAIFA-Broward Vice President
Community Service Chairperson
Thank you for those that donated funds to purchase sneakers. We will again support Stepp'n Up at our March Meeting!
 Stepp'n Up has donated over 24,000 shoes to kids in need. Let's help them achieve their goals by donating sneakers! Please consider donating at our next meeting on March 16th for them to purchase sneakers for children. Help us to make a difference in the lives of children right here in our community. You can also mail to me so that we can submit all contributions together: Michele Friedlander, 1000 Corporate Drive, 7th Floor, Ft. Lauderdale, FL 33334.
Thank you,
Michele Friedlander, RHU, REBC
MassMutual South Florida
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Multi-Line Update
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Submitted by Lee Gorodetsky, LUTCF, CLF
NAIFA-Broward Treasurer, Multi-Line Chairperson
Recent Headlines of Interest:
For more articles of interest, please visit Lee Gorodetsky's blog at www.HomeInsuranceGuru.com.Lee S. Gorodetsky, LUTCF, CLFL & S Insurance & Financial Services, Inc.
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Health Insurance Update
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 Submitted by Gary Haft, CEP
NAIFA-Broward Secretary & Health Charperson
Millennials Less Like to Sign Up for Health Insurance
by Jonathan Rickert
Research shows that millennials share certain characteristics that make them less likely to sign up for health insurance. For advisers and employers alike, understanding these preferences and tailoring their offerings are imperative to enticing millennials to enroll.
Putting aside the pros and cons of the Affordable Care Act, it is undeniable that millennials have more health insurance coverage now than before the ACA's enactment. A recent U.S. Census Current Population Survey shows that out of the 8 million American adults who gained health coverage in 2014, 46%, or 3.7 million, were young adults aged 18 to 34.
In the private insurance market, however, the trend line appears to be going in the opposite direction: Less than half of all eligible employees under age 26 enrolled in an employer-provided health plan in 2015, according to a recent report from the ADP Research Institute. Today, 83% of employees under 26 are eligible for health insurance at work, up 8.5% from five years ago; yet, fewer enroll. While almost 57% of young millennials who were eligible for employer-subsidized health coverage took it in 2011; this year, only 44% did.
One reason seems to be that under the ACA, young adults are allowed to remain on their parents' health insurance plan until they turn 26. It appears that many are choosing to do so for as long as possible, before taking on the additional cost of their own health insurance. Why this matters
Why does this matter to advisers and their employer clients? Millennials make up the largest proportion of the U.S. labor force today, and it is expected they will be half the workforce by 2020 and 75% of the workforce in ten years. Yet, even as everyone looks to this population to be the young and healthy members that lower the cost of health plans, according to a recent Forbes article, "Millennials represent the sickest cohort of twenty- and thirty-somethings in the last century." So, they too are in need of health insurance.
Then why is it so difficult to get this generation to purchase health insurance? Here are four key characteristics of millennials that impact their health insurance purchasing decisions:
1. Millennials are comparatively poor: Greater student debt and poor job prospects have left this group with less money than previous generations. Having entered the workforce during one of the worst recessions in decades, a sizable portion of the millennial generation started out with distinct economic disadvantages.
2. Millennials are digital natives: This group has grown up with the Internet and smartphones in an always-on digital world, and their affinity for technology has shaped how they shop. They are used to instant access to price comparisons, product information and peer reviews, and prefer brands that offer maximum convenience at the lowest cost.
3. Millennials have low health insurance literacy: The majority of Americans struggle with health insurance jargon, but according to a study published in the Journal of Adolescent Health, young adults, who generally have little experience managing their own healthcare expenses, are finding it especially difficult signing up for insurance under the Affordable Care Act. They're not into it, either. According to a recent Aflac survey, 26% of millennials would rather clean their toilets than research their health benefits. 4. As a group, millennials are late bloomers and have delayed significant milestones such as home ownership, marriage and children. It's not that they aren't interested in getting married and settling down, according to the Pew Research Center, but financial pressures are forcing them to do this later than prior generations. Given how much research has been done on millennials, their habits, likes and dislikes are all well documented, and viewed by many as powerful drivers for change. Here are some ways advisers, employers and insurers can adapt their own practices to attract and retain this pivotal group: 1. Make it simple: While everyone wants choice - particularly price-sensitive millennials who grew up comparison shopping online - too many choices can be overwhelming. A 2015 study published by the National Bureau of Economic Research revealed that too many health plan options result in less rational choices by consumers. In fact, the study found that 85% of employees would be better off if their employer only offered one plan. For advisers, providing a guided shopping experience that supports personalized, informed choices can be a huge value-add. 2. Meet them where they are: Research indicates that individuals ages 18 to 36 spend an average of 17.8 hours a day with different types of media, and among the various forms of media, social is king, with 71% of millennials saying they spend time on social media daily. Advisers can embrace this by using social media in their marketing and ensuring that every customer touch point is supported by mobile devices. 3. Provide education throughout the year: Advisers who are eager to build member-for-life relationships need to be in touch with consumers on an ongoing basis to educate, recommend and delight. Millennials love videos and entertainment, so short, humorous educational videos that demystify health insurance are one way advisers can connect with millennial employees throughout the year.
4. What millennials want, others want too: While millennials may be the most vocal about their preferences, other generations are interested in much of the same functionality that millennials cherish. And while millennials are more likely to manage their healthcare needs using technology, according to a recent McKinsey survey, a considerable number of older Americans are doing this as well. One effective way to meet the demands of millennials is through a private health insurance exchange. These online marketplaces allow employers and insurers to adapt to the needs of millennials by providing choices, instant access and education tools in what has become a familiar consumer shopping environment.
Millennials are no longer the future - they are the here and now, and much of what they want is aligned with the desires of Gen Xers and Baby Boomers. Advisers, health insurers and employers need to get on the millennial bandwagon-or be left out in the cold. It's not that millennials don't dig health insurance; it's that the traditional health insurance experience doesn't meet their needs. And as long as that's all you're offering, they won't be in any hurry to enroll.
Jonathan Rickert is CEO and co-founder of Array Health, a provider of private insurance exchange technology.
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Committee Positions Available
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 NAIFA-Broward has committee positions available. Please review the details below. Please contact Rhonda Milrot at (954) 753-2262 if you would like to nominate yourself or someone else.
APIC
The APIC Committee is responsible for getting people involved in our political process. APIC stands for Political Involvement Committee
Community Service
The Community Service committee is responsible for evaluating, selecting and creating programs that benefit the community.
Health
The Health Committee is responsible for keeping the association updated on the latest issues affecting the Health Insurance Arena.
IFAPAC
The IFAPAC Committee is responsible for raising PAC awareness, funds and membership. NAIFAPAC stands for NAIFA Political Action Committee.
Membership
The Membership Committee is responsible for the retention and recruitment of members.
Multiline
The Membership Committee is responsible for keeping the association updated on issues affecting Multiline members.
Professional Development
The Professional Development Committee is responsible for organizing educational programs for members.
Programs
The Programs Committee is responsible for procuring speakers for our regular monthly luncheons.
Public Relations
The Public Relations Committee is responsible for the development and implementation of programs designed to shed a positive light on insurance and financial advisors.
Sponsorship
The Sponsorship Committee is responsible for obtaining sponsors for the association.
Young Advisors Team (YAT)
The Young Advisors Team Committee is responsible for the development and implementation of programs designed to serve members who have been in the insurance business for 5 years or 40 years old and under.
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Welcome Our New and Transferred Members!
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Alette Geffrard
S. Grayson Owen
April R. Ruxton
Joel M. Singer
Robert S. Ynacay
IT PAYS TO BE A MEMBER!
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NAIFA is the largest financial services membership association in the United States, comprised of more than 700 state and local associations representing the interests of 200,000 members and their associates nationwide. NAIFA's goal is to protect your livelihood and your clients' financial security.
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| Advisor Today's Four Under Forty |
Nominate a Rising Star Now!
Someone you know is a leader. He or she is successful, of course, but also committed to their community, family and team. They're already a great example for their peers. Nominate them for Advisor Today's Four Under Forty Awards. It's the recognition they deserve and the next step in their amazing career.
Winners will appear on the cover of Advisor Today, which will be showcased at the NAIFA Career Conference and Annual Meeting. But that's just the beginning. Past Four Under Forty winners have a proven track record of continued success through industry leadership roles, speaking engagements and increased peer recognition.
All NAIFA members are welcome to nominate a rising star for Four Under Forty. Nominees must be NAIFA members in good standing and 40 years of age or younger. Click HERE for the form (PDF).
The deadline for submissions is April 4! Click HERE for complete details.
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NAIFA Member Benefit of the Month
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NAIFA Members-Only Webinar:
"What's new, what's free, what's in it for me?"
During this webinar, new members will gain insight on four of NAIFA's most recognized member benefits and why all the buzz. Highlighted benefits include:
- The new NAIFA LUTCF� Designation Program that launched in July of 2015
- NAIFA's Free Webinar Series, and
- New NAIFA exclusive discounts to top technology-related products and services that will improve your productivity, and ultimately drive growth.
We'll also highlight the NAIFA Performance + Purpose 2016 - to be held September 17-19 - in Las Vegas, NV.
PRESENTERS:
John Boyle, NAIFA Assistant Vice President, Professional Development and Education
Teri Shaw, NAIFA Marketing Director, Professional Development and Education Click HERE to access the members-only webinar.
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NAIFA 2016 Congressional Conference
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 Let's go to Washington, DC!In the past three years, over 2,500 NAIFA members from every corner of the country came to Washington, DC and took to Capitol Hill to meet with lawmakers and advise them on how their decisions affect agents, brokers, and their clients.
On May 24th-25th, 2016 NAIFA will be holding its 2016 Congressional Conference with a similar goal - to establish and cultivate relationships with lawmakers, to share the expertise of NAIFA members, and educate them on the value of life insurance, annuities, retirement savings, and employee benefits for 75 million American families.
For a special YouTube video, please click HERE.
For complete details and registration, please visit:
www.naifa.org/events/congressional-conference
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| Please Consider a Contribution to IFAPAC |
 NAIFA cannot contribute to political candidates. IFAPAC can, and that's what we do! In fact, IFAPAC consistently ranks in the top tier of more than 4,600 federal PACs in its political receipts and contributions to candidates.
For Three Easy Ways to Contribute to IFAPAC, please click HERE.
For more information about IFAPAC, and to contribute online, please visit www.naifa.org/advocacy/IFAPAC.
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Sponsorship Opportunities with NAIFA-Broward
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 We would appreciate whenever possible for our members to support our sponsors to reward them for their support of association and our industry. Please help us thank:
We have additional sponsorship opportunities which also include recognition at CE classes, lunch table top or single meeting sponsorship. Please direct your inquiries to our association executive, Rhonda Milrot at 954-753-2262 or email at [email protected] or contact one of your board of directors for more information. More details can be found by clicking HERE.
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NAIFA-Broward Monthly Luncheon Meeting Schedule
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 Meetings are usually held on the third Wednesday of the month. They begin promptly at 12:00 noon and generally last until about 1:30 pm. Our meetings are held at the Fort Lauderdale Country Club, located at 415 Country Club Circle, Plantation, FL 33317
Reservations are necessary and can be made online at www.naifa-broward.org. The cost for lunch is $25 for members with reservations and $30 without reservations. For non-members the cost is $35 with reservations and $40 without reservations. Credit card payment is accepted on the website and at the door.
Continuing Education classes sponsored by NAIFA-Broward are free to members (except for special programs, like classes offered through NAIFA-Florida). For non-members the cost is $15 per credit hour. Our first morning class will begin promptly at 9:30 am and the second class will begin promptly at 10:30 am. Anyone arriving more than five minutes after it starts will not receive CE credit. You will also be asked for photo ID when signing in. Information on each month's meeting and CE topic can be found on our website at www.naifa-broward.org.
Upcoming NAIFA-Broward Meeting Dates:
February 17, 2016
March 16, 2016
April 20, 2016
May 18, 2016
Dates subject to change. Check our website for the latest updates.
For more information, contact NAIFA-Broward Association Executive Rhonda Milrot at (954) 753-2262 or email [email protected].
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CONNECTIONS THAT COUNT!
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 For the latest NAIFA-Broward news and events, please visit our website at www.naifa-broward.org. NAIFA-Broward, c/o Association Executive Rhonda Milrot P.O. Box 770188, Coral Springs, FL 33077Phone: 954-753-2262 * Fax: 888-613-6695 * E-mail: [email protected] |
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